Imperial County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Imperial County, CA distress report, 2026: 18 ZIPs scored in Imperial, CA, Imperial, CA average 20/100; the top Imperial, CA ZIP is 92225 at 37/100; Imperial, CA market phase peak, Imperial, CA prices +2.7% year over year.
- Imperial, CA ranks #2,664 nationally (opportunity index); Imperial, CA #39 in California; Imperial, CA index 25.1.
- Imperial, CA ninety-day mortgage delinquency 0.6% in December 2025; Imperial, CA twelve-month change -0.8%.
- Imperial, CA ZIP phases: 18 peak.
- Imperial, CA residential listings tracked: 36 across 15 ZIPs; Imperial, CA candidate listings 19.
- Imperial, CA HUD assisted properties: 12 with 768 units.
- Imperial, CA lenders on watch: 1; largest Imperial, CA footprint Mechanics Bank (3 branches).
- Imperial, CA most distressed ZIP: 92225 at 37/100.
Imperial, CA figures: DLRadar distress index; Imperial, CA inputs: CFPB, FHFA, HUD, FDIC; Imperial, CA rebuilt as sources refresh.
| Rank | Imperial, CA ZIP | Score |
|---|---|---|
| 1 | 92225 | 37/100 |
| 2 | 92274 | 31/100 |
| 3 | 92004 | 29/100 |
| 4 | 92222 | 18/100 |
| 5 | 92227 | 18/100 |
| 6 | 92231 | 18/100 |
| 7 | 92233 | 18/100 |
| 8 | 92243 | 18/100 |
| 9 | 92249 | 18/100 |
| 10 | 92250 | 18/100 |
| 11 | 92251 | 18/100 |
| 12 | 92257 | 18/100 |
Most distressed Imperial, CA ZIPs (0-100, 2026)
Mortgage delinquency in Imperial, CA
0.6% of Imperial, CA mortgages were ninety-plus days late (Imperial, CA, December 2025); Imperial, CA thirty-to-eighty-nine days late: 3.0%; Imperial, CA twelve-month change -0.8%; Imperial, CA peak since 2008: 11.3% (March 2010); California overall 0.5%. Imperial, CA ninety-day series: Dec 24 1.4, Jan 25 1.4, Feb 25 1.2 (Imperial, CA), Mar 25 1.0, Apr 25 1.0, May 25 0.9 (Imperial, CA), Jun 25 0.7, Jul 25 0.6, Aug 25 0.7 (Imperial, CA), Sep 25 0.7, Oct 25 0.8, Nov 25 0.8 (Imperial, CA), Dec 25 0.6.
Opportunity index: Imperial, CA
Imperial, CA index 25.1, Imperial, CA phase weak; Imperial, CA primary driver vacancy, Imperial, CA second driver bank institutional. Imperial, CA components: property stress 17.2, foreclosure pressure 18.0, listing discounts 16.1, bank stress 57.2, insurance 0.0; Imperial, CA pulse 29.5; Imperial, CA capital opportunity 18.5.
ZIP market phases inside Imperial, CA
18 Imperial, CA ZIPs carry a price-cycle phase; Imperial, CA ZIPs by phase (Imperial, CA), deepest drawdown first: peak, +2.7% YoY, 0.5% off peak (Imperial, CA): 92222, 92227, 92231, 92233, Imperial, CA 92243, 92249, 92250, 92251, Imperial, CA 92257, 92259, 92266, 92273, Imperial, CA 92275, 92281, 92283; peak, +2.3% YoY, 0.2% off peak (Imperial, CA): 92004.
Residential listings by Imperial, CA ZIP
Imperial, CA ZIPs with the most tracked Imperial, CA residential listings: 92231 15 listings, 5 candidates, bank pressure 67; 92251 8 listings, 6 candidates, bank pressure 67; 92257 4 listings, 4 candidates, bank pressure 67; 92227 2 listings, 0 candidates, bank pressure 67 (Imperial, CA); 92243 2 listings, 0 candidates, bank pressure 67; 92250 2 listings, 2 candidates, bank pressure 67; 92283 2 listings, 2 candidates, bank pressure 67; 92281 1 listings, 0 candidates, bank pressure 67. Imperial, CA totals: 36 listings; Imperial, CA candidates 19; active ZIPs 3.
HUD assisted housing in Imperial, CA
12 assisted properties with 768 units sit in Imperial, CA; largest Imperial, CA properties: Posada Del Sol Apartments (El Centro) 282 units; Brawley Gardens (Brawley) 81 units; Heber Woods (Heber) 81 units in Imperial, CA; Holtville Gardens (Holtville) 81 units; Villas Pacifica Apartments (Imperial) 80 units; Westmorland Family (Westmorland) 65 units.
Lenders with branches in Imperial, CA
Imperial, CA lenders by branch count: Mechanics Bank (Imperial, CA): stress 59, 3 branches low in Imperial, CA.
Vacancy and permits, Imperial, CA
8,400 of 58,044 Imperial, CA housing units are vacant; Imperial, CA permits, twelve months: 13 multifamily units in Imperial, CA, 220 one-to-four unit units.
Work Imperial, CA at the parcel level
Every Imperial, CA parcel carries owner and address; every Imperial, CA parcel carries APN; Imperial, CA distress scores sit on the Imperial, CA live board.
Imperial, CA figures refresh with each source.
Imperial, CA questions
Most distressed ZIP code in Imperial County, CA?
ZIP 92225 leads Imperial, CA at 37/100; next in Imperial, CA: 92274 at 31/100; the Imperial, CA average is 20/100.
Where does Imperial County, CA rank for investment opportunity?
Imperial, CA is #2,664 among all ranked counties, #39 in California; the Imperial, CA driver is vacancy; Imperial, CA moved down 239 places.
How many mortgages are delinquent in Imperial County, CA?
0.6% of Imperial, CA mortgages were ninety-plus days late in December 2025; the Imperial, CA peak since 2008 was 11.3%.
Which banks lend in Imperial County, CA?
1 watched lenders hold Imperial, CA branches; the largest Imperial, CA footprints are Mechanics Bank (3).
More on Imperial, CA
Imperial County, CA distress report: public-record figures for Imperial, CA; not legal advice for Imperial, CA; not tax or investment advice; verify every Imperial, CA record before acting.